Yes, there is opportunity in this disarray. Many of the banks are in retrenchment mode, or in their words, focusing on core competencies.

But be careful of the vendors with a lot of Slideware and Visionware – there are many that really don’t know and fudge what they don’t know. I understand where many want to go from a theoretical perspective. I understand why they want their Visionware to say we want to be the financing network, but it’s not easy.